Sea Dunes
Homes for Sale in Fernandina Beach, FL
All 233 homes for sale in Fernandina Beach, FL · median $675,000 · 231 homes for sale in 32034 · Nassau County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
As of September 2026, the MLS records 27 closed sales in Sea Dunes in Fernandina Beach, FL since 2016, the most recent in August 2024. Across Fernandina Beach as a whole, 277 homes closed in the last 12 months at a median of $540,000, 56 median days on market, with 96 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $7,170 ($6,660 with the full homestead exemption).
Sea Dunes sits in Fernandina Beach, on Amelia Island in Nassau County, and that coastal location is the anchor of everything about value here. With no closings in the current window and no median to report, price in this community is driven by the specifics of the individual home — proximity to the water, lot, and condition — more than by any repeatable comp trend.
The practical read: this is a thin-data market right now. Sellers should expect pricing to lean on the merits of the property itself rather than a run of recent sales, and buyers should treat each listing as its own negotiation. Neither side has a deep bench of comparable closings to point to, so preparation and a clear-eyed view of condition matter more than usual.
The 60-Second Overview
Sea Dunes is a small coastal community in Fernandina Beach, on Amelia Island, where the appeal is location and setting rather than a high-volume resale market. Expect a limited, condition-driven inventory rather than a steady stream of listings.
realMLS (Northeast Florida) sales records identify 25 homes in Sea Dunes that have changed hands since 2001, built between 1984 and 1984 (median 1984), with a median living area of about 1,465 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Sea Dunes is best for.
Best for
- Buyers who want a coastal Fernandina Beach address and are patient enough to wait for the right home to list
- Buyers comfortable pricing off a property's own condition and location rather than a run of recent comps
- Long-hold owners drawn to a small, low-turnover community
Probably not for
- Buyers who need a large, active inventory with frequent options to choose from
- Buyers who want to anchor an offer to a deep set of recent closings
- Investors seeking quick, high-volume turnover and predictable near-term resale
The market around Sea Dunes
Sea Dunes is too small for its own price trend, so here is the market around it.
In ZIP 32034, 322 homes are on the market and 29% are under contract — a steady corner of Fernandina Beach.
Across Nassau County, 511 homes are active and 210 pending (29% under contract).
In ZIP 32034 (Fernandina Beach), 964 homes closed in the last 12 months at a median of $456K ($210/sq ft), up 1.2% year over year, with a median 56 days on market. Right now 209 active and 104 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32034 housing market and the Nassau County market.
ZIP and county figures describe the wider market, not Sea Dunes specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Sea Dunes, Fernandina Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Sea Dunes
Live MLS inventory for Sea Dunes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Sea Dunes listings as of 2026-09-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Atlantic · Elementary
- Fernandina Beach · Middle
- Fernandina Beach · High
Zoned schools reflect the assignments reported on recent Sea Dunes listings and can change; always confirm with Nassau County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Sea Dunes address.
Shop the zone: Homes zoned for Fernandina Beach Middle School · Homes zoned for Fernandina Beach High School
The Sea Dunes buying strategy.
If we were buying in Sea Dunes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Sea Dunes.
A thin-trade coastal pocket
The defining fact about Sea Dunes right now is what the data does not show: no closings in the current window. In a small community like this, that is normal — turnover is low and homes trade infrequently. It also means there is no fresh median to lean on, so we describe price qualitatively and read each home on its own terms.
What that means in practice is that condition, exact location within the community, and the particulars of the lot carry outsized weight. Without a run of recent sales to set the market, the story of any given transaction here is the story of the specific property. Buyers and sellers who want that read done carefully are the ones who do well.
The location and the amenities are priced into every listing in Sea Dunes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-turnover coastal pocket like Sea Dunes, there is no wall of recent comps to hide behind, which is exactly where local, on-the-ground judgment earns its keep. We price and negotiate off the property itself and the wider Fernandina Beach and Nassau County context, and we will tell you plainly when a listing does not pencil out.
Sea Dunes in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Sea Dunes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sea Dunes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sea Dunes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sea Dunes home worth?
Get a no-obligation home value based on real comparable sales in Sea Dunes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fernandina Beach →
Sea Dunes Market Scorecard
Sea Dunes is currently a thin data market. Limited supply, a median asking price of n/a.
Typical home value in the 32034 ZIP is $615,846, about 26.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
How many homes are in Sea Dunes?
What share of Sea Dunes is owner-occupied?
When were the homes in Sea Dunes built?
Who is the best real estate agent for Sea Dunes?
How do I find a top Fernandina Beach real estate agent who knows Sea Dunes?
Can Momentum Realty connect me with an agent for Sea Dunes?
Should you buy in Sea Dunes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32034)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2016 (27 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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